# Pine Property Services: certificate of insurance, policy schedule, claim and settlement documents

The insurance paperwork a property maintenance business holds and produces: the policy schedule with its endorsements and premium chain, the certificates of insurance its clients demand, a first notice of loss, the settlement statement that follows it, the loss run, the broker account and the renewal application that declares all of it back to the insurer.

All parties, amounts and identifiers are fictional. Fixed snapshot: 2026-09-08. Records are derived from the shared operating model `trades-property`, so identifiers join across this set, across the other commercial document sets, and across every fixture built on the same model.

## Reconciliation identities this set asserts

- Property premium is 2,700,000.00 USD of insured value at 0.85 per 1000, which is 2,295.00 USD.
- Base premium 7,040.00 plus endorsements 590.00 plus fees 115.00 plus tax at 3.5 percent equals 8,016.08 USD payable.
- The 5 instalments sum to the total payable exactly, with the rounding remainder taken off the final instalment rather than spread.
- The six apportioned location shares sum to exactly 100.0000 percent, not 100.0002.
- Assessed loss 18,400.00 less depreciation 2,760.00 less deductible 1,000.00 is the 14,640.00 USD net first payment; total recovery is 17,400.00 USD.
- Incurred equals paid plus reserve on every claim and in the loss run total: 17,890.00 plus 2,760.00 is 20,650.00 USD.
- The renewal application declares the same claims, dates and incurred total as the insurer loss run.
- Every valid certificate is issued before the cover it certifies expires.

## Parameters this set introduces

These are properties of the document class, not of the operating model. They are declared once and every file in the set agrees with them.

- The policy itself: POL-2026-GL-0001, 2026-04-01 to 2027-03-31, insurer Fictional Mutual Insurance and broker Sample Broking Partners, all fictional.
- Limits and deductible: 1,000,000.00 each occurrence, 2,000,000.00 aggregate, 1,000.00 deductible.
- Insured values by property kind: Office 450,000, Workshop 380,000 and Retail 520,000 USD. The trades-property model carries a property kind but no value.
- Rating: 0.85 per 1000 of insured value, 620.00 per vehicle, flat general liability and tools charges, 3.5 percent premium tax and 12.5 percent broker commission.
- The four endorsements, the three claims and the depreciation rate applied to the open claim.

## Files

| File | Format | Validity | What it is |
| --- | --- | --- | --- |
| `policy-schedule.pdf` | pdf | valid | Policy schedule with endorsements (PDF) |
| `policy-schedule.docx` | docx | valid | Policy schedule with endorsements (DOCX) |
| `schedule-of-locations.csv` | csv | valid | Schedule of insured locations |
| `schedule-of-vehicles.csv` | csv | valid | Schedule of insured vehicles |
| `coverage-limits.csv` | csv | valid | Coverage limits |
| `endorsement-schedule.csv` | csv | valid | Endorsement schedule |
| `premium-breakdown.csv` | csv | valid | Premium breakdown |
| `premium-instalment-schedule.csv` | csv | valid | Premium instalment schedule |
| `policy-workbook.xlsx` | xlsx | valid | Policy workbook |
| `certificate-of-insurance-COI-2026-0001.pdf` | pdf | valid | Certificate of insurance (PDF) |
| `certificate-of-insurance-COI-2026-0001.docx` | docx | valid | Certificate of insurance (DOCX) |
| `certificate-of-insurance-COI-2026-0007-expiry-before-issue.pdf` | pdf | invalid | Certificate of insurance whose expiry precedes its issue date |
| `certificate-of-insurance-register.csv` | csv | valid | Certificate of insurance register |
| `certificate-of-insurance-register-expiry-before-issue.csv` | csv | invalid | Certificate register with a certificate that expired before it was issued |
| `certificate-holders.csv` | csv | valid | Certificate holder register |
| `claim-form-FNOL-2026-0003.pdf` | pdf | valid | First notice of loss claim form (PDF) |
| `claim-form-FNOL-2026-0003.docx` | docx | valid | First notice of loss claim form (DOCX) |
| `claim-settlement-statement-CLM-2026-0003.pdf` | pdf | valid | Claim settlement statement |
| `claim-settlement-lines.csv` | csv | valid | Claim settlement lines |
| `claim-register.csv` | csv | valid | Claim register |
| `claim-register.json` | json | valid | Claim register JSON |
| `loss-run-report.csv` | csv | valid | Loss run report |
| `broker-statement.csv` | csv | valid | Broker account statement |
| `insurance-application.pdf` | pdf | valid | Insurance renewal application (PDF) |
| `insurance-application.docx` | docx | valid | Insurance renewal application (DOCX) |
| `insurance-reconciliation.json` | json | reference | Insurance reconciliation identities |
| `README.md` | md | reference | Document set README |

## Deliberate defects

These files are broken on purpose. Each is a single named mutation of a correct file in the same directory, and the size of the discrepancy is stated, so a parser under test can be checked against both.

- **`certificate-of-insurance-COI-2026-0007-expiry-before-issue.pdf`** Issued 2026-09-08, cover ended 2026-03-31, so the certificate is 161 days out of date on the day it was issued and the days-remaining field is negative at -161. Nothing else in the document is wrong, which is the point.
- **`certificate-of-insurance-register-expiry-before-issue.csv`** Six rows recompute to 204 and pass; row 8 of the file recomputes to -161, which is correct arithmetic for a certificate issued 161 days after its cover ended, and must be rejected on the ordering rule rather than on a sum.

## Notes and limits

- This is not insurance, not a quotation and not advice. No cover exists and the insurer, broker, policy number and claim references are invented.
- The claim is deliberately hung on the one work order in the trades-property model whose completion inspection result is follow-up rather than pass, so the claim, the work order and the inspection all join.
- The loss ratio uses earned premium on the subtotal basis, excluding fees and tax, for 160 of the 365 policy days. A reader using written premium gets a smaller figure; the basis is printed on the report so the difference is visible rather than silent.
- Vehicles come from the inventory-manufacturing model, which is where the delivery fleet lives. The named insured on every document is still the property business.